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| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Direct payment from the plan; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Consulting (general); Insurance services; Claims processing Service code 12 | — | $1.8M |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 10 | — | $340K |
| MORGAN STANLEY EIN 26-4310632 NONE | Other investment fees and expenses; Direct payment from the plan; Other services; Investment advisory (plan); Securities brokerage; Other fees; Custodial (securities); Securities brokerage commissions and fees Service code 19 | — | $240K |
| REINHART, BOERNER, VAN DEUREN S.C. EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $120K |
| WAGE WORKS NONE | Direct payment from the plan; Claims processing Service code 12 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $100K |
| MICHAEL G. BUCK NONE | Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $97K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management; Direct payment from the plan Service code 28 | — | $27K |
| BENDA, GRACE, STULZ & COMPANY EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| TRADE SOLUTIONS | Direct payment from the plan; Copying and duplicating Service code 36 | P.O. BOX 1318 CLARKSTON, MI 48347 | $8K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,023 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN - MEDICARE ADVANTAGE | 1,208 | $3.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN - MEDICARE ADVANTAGE | 1,208 | $3.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,381 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,381 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.